LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,444
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,168
−HK$1,752/mo
Today · 4.125%
HK$58,920
baseline
▲ 0.50% · 4.625%
HK$62,505
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,840/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,680
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,335
−HK$1,678/mo
Today · 4.125%
HK$65,013
baseline
▲ 0.50% · 4.625%
HK$68,440
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,026/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,602
−HK$2,102/mo
Today · 4.125%
HK$70,704
baseline
▲ 0.50% · 4.625%
HK$75,007
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,408/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,016
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,002
−HK$2,013/mo
Today · 4.125%
HK$78,015
baseline
▲ 0.50% · 4.625%
HK$82,128
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,030/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,621
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,035
−HK$2,453/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$87,508
+HK$5,020/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,353
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,668
−HK$2,350/mo
Today · 4.125%
HK$91,018
baseline
▲ 0.50% · 4.625%
HK$95,816
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,036/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,798
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,903
−HK$3,154/mo
Today · 4.125%
HK$106,057
baseline
▲ 0.50% · 4.625%
HK$112,510
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,114/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,025
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,002
−HK$3,021/mo
Today · 4.125%
HK$117,023
baseline
▲ 0.50% · 4.625%
HK$123,191
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,046/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,371 · Scale 2, in force from 26 Feb 2026)